Business insurance: what a UK micro-business actually needs
Public liability, employers' liability, professional indemnity, cyber, key person — what is legally required, what is genuinely useful, and what is over-sold.
Read the guide →Short-term lending for healthcare and dental businesses
Dental practices, clinics and care businesses front the cost of equipment, consumables and locum cover before patient or contract income is received. Credicorp bridges that gap for UK incorporated healthcare businesses.
UK Ltd or LLP ae · Nae personal guarantee · Decisions maist warkin days
Recognise ony o thir?
- Consumables and lab work to pay before patient or NHS income is received
- Locum or agency cover needed before the revenue it generates clears
- A piece of clinical equipment failing and needing urgent repair
- Slow-settling contract or insurer payments leaving a working-capital gap
If so, a Credicorp short-term business loan could help you bridge that gap.
Whilk product fits?
Credicorp Business Loan Recommendit for this sector
Healthcare cash-flow gaps are typically a known sum for a defined period — a specific cost now, with contracted income shortly after. A fixed-term loan gives certainty on the total cost.
- £50–£500 in ae advance
- Fixed 14–84 -day tairm
- 0.25% per day semple interest + £5 set-up fee
- Total cost cappit at 100% o principal
- Nae personal guarantee
- Maist decisions same warkin day
Credicorp Slice — split a single bill
For one specific bill — a lab invoice, consumables order or equipment service — Credicorp Slice spreads it over 3 or 4 weekly instalments at a flat 6% fee, no compounding.
- Bills o £50–£2,000
- Flat 6% fee — nae compoondin
- 3 or 4 weekly instalments bi Direct Debit
- Settle early an we refund the unuised fee pro rata
Find your fit
Pick the borrowing that fits your business
Tell us what you need and roughly how much. We’ll point you to the right product — it’s a guide to help you choose, not a lending decision or a quote.
See the cost for yer sector
A teepical healthcare business micht borrae £400.00 ower 42 days. Adjust the sliders tae match yer ain scenario.
This matches yer needs? Stairt yer application
Borrowing is expensive relative to bank lending. Only borrow if the cost is less than the gap it closes. Total cost capped at 100% of principal — you will never repay more than double. There is no personal guarantee; lending is to the company.
Wha can pit in?
- UK leemitit company or LLP (body-corporate lendin anely — no sole traders)
- 6+ months tradin
- Current UK business bank accoont
- Director identity check (you, no the company, as the company's authorised representative)
- Nae personal guarantee requirt — the obligation is the company's
Guides for yer business
Investments for a UK director — the basics, honestly
A first-principles guide to investing surplus money — for directors who want a sensible plan rather than a stock-tip spreadsheet.
Read the guide →A founder's guide to UK startup funding — without the jargon
Grants, loans, equity, bootstrapping — the funding ladder for a UK micro-business, with honest pros and cons for each step.
Read the guide →Common speirins
- Can a dental practice or healthcare business apply for a Credicorp loan?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs in healthcare — dental practices, private clinics, care businesses and allied health firms. Whether you operate privately or under NHS contract is not a pricing factor.
- Do companies in this sector need to provide a personal guarantee?
- No. All Credicorp lending is to the company — the UK limited company or LLP — as the sole obligor. There is no personal guarantee and no personal credit search on any director or shareholder.
- How quickly can a company in this sector get a lending decision from Credicorp?
- Applications are reviewed as they arrive during business hours. Credicorp aims to make a credit decision the same working day in most cases. Once approved, funds typically reach your company account the same day.
Credicorp lends to UK limited companies and LLPs under the body-corporate exemption (Articles 60B and 60L of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001). This is not consumer lending. The Financial Ombudsman Service and Financial Services Compensation Scheme do not apply. Full details: regulatory status and responsible lending policy.